California Business Bureau, Inc

2019-11-21

Arco, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I have never received a single collection letter nor phone call nor any other means of collection from this company regarding account XXXX and furthermore, the report on my credit by XXXX claims history of on attempt and one registration to the credit bureaus. Furthermore, I have never been to this Hospital and it can not possibly be about me nor anyone from my household because we have all have private insurance by XXXX XXXX and again this is not possible. At any rate, there is nothing fair reporting or otherwise by means of collection when one is not notified by mail nor phone nor by any means prior to slapping an unsubstantiated charge on an otherwise perfect credit report. Please take from these unscrupulous agencies the power to do such harm to people and to rob people of their peace and calm. Report to whatever agency needs to have this information regarding less than proper practices regarding collections and reporting of debt and have them immediately pull this off my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-20

Clayton, MO

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: Recently, I noticed a negative item on my credit report that does not belong to me. The collection agency is California Business Bureau ( CBB ) and the original creditor is XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I wrote to CBB requesting account validation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, they responded by saying " there is no basis in law to substantiate your right to such information ''. CBB proceeded to provide creditor and account information including an amount they say I owe of {$890.00} and added {$500.00} interest for a total of {$1300.00}. They included no validation, but included a database printout of a patient inquiry report with service dates, service codes, and service code descriptions. No HIPAA release form for release of patient information was ever sent to me. Moreover, I have never been a patient or done business with said creditor, XXXX XXXX XXXX XXXX ( XXXX ). My name has been used fraudulently in this medical debt collection account unbeknownst to me between CBB and XXXX dating back to XX/XX/XXXX. Furthermore, since XX/XX/XXXX, I have been corresponding with XXXX to resolve this to no avail. I have requested physical verification/validation of the original signed consumer contract. They persist in refusing to remove this fraudulent, unverified, erroneous item from my credit report. The outcome is that this negative item remains on my credit report, negatively and wrongfully harming my ability to enjoy the benefits of good credit. This negative item is causing me severe problems in trying to purchase a home.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-07

Santa Ysabel, CA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I have had a few debts from XXXX XXXX sent to this particular debt collector called California Credit Bureau. I have just paid for another one today. First to note, is that XXXX makes their billing system very confusing, and it is very difficult to understand their billing and insurance statements. For example, we pay all co-pays ( typically {$30.00} - {$100.00} ) for my family of 5 at each visit. Often, XXXX will bill the co-again on the follow up bill. We dont pay it because we KNOW we paid it at the office, etc. The issue is that this collection agency uses virtually NO communication, which makes it impossible to resolve prior to going to collections. I think they are actually doing this on purpose so they can make the added fees. They claim they leave phone messages - of which I have never received one. I verified my phone number and address they have on file. I do get some phone messages that sound like robo-calls occasionally, but the first 5 - 10 seconds are cut off and you hear the dialog only say ... .call 800 ... but not identify who it is or what. On this last collection of XX/XX/XXXX for {$180.00} ( which I just paid ) I asked when was the last written communication for this and verified my address. They said XX/XX/XXXX for a debt incurred in mid XXXX, and recorded a collection on my credit in XX/XX/XXXX. They said they made no communication to me from XXXX to XXXX of XXXX, and only sent 1 letter back in XXXX. This seems predatory to NOT attempt to communicate and them trump up the charges and record a collection on credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-29

Juniper Hills, CA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-30

Arco, CA

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: The California Business Bureau ( XXXX XXXX XXXX XXXX, XXXX Ca XXXX phone XXXX ) opened a debt collection with me in XX/XX/2019 when I received a letter from them. I called them in XXXX asking them to show me what the specific debt was. Within a couple of weeks I learned it was a medical bill from the the previous fall that was legitimate. I paid in full in XXXX. Never in my conversation with California Business Bureau did they say if you don't pay by a specific date we'll report this on your credit. Even though I paid it in full in XXXX ( 2 months after they opened the account! ) they reported it to credit bureaus creating the only delinquency mark I have had on my credit in 30 years ). I didn't know I had a mark on my credit until I applied for a home equity loan in XXXX. I was shocked that CBB had reported me even then I'd spoken with them, received their information, and paid the bill in full in XXXX. All within 2 months. If that's legal, it should not be. Medical billing is confusing and works against consumers. The fact that a collection agency can harm my credit after I paid the bill in full within 2 months is outrageous. I believe CBB 's practices are misleading and harming.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-08-29

San Diego, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-08-15

Simi Valley, CA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: CCB has placed a HARD inquiry on my Credit Report. I do not have any accounts with this company nor have I authorized them to run my credit and lower my score. I found this inquiry today on XX/XX/2019 on my birthday that this company had inserted itself on my credit. They have no permissible purpose in placing this hard inquiry. I am represented by an attorney do not call me communicate in writing only with my attorney. Furthermore I am retired combat disabled USMC.
Company Response: Closed with explanation

Timely Response

2019-08-14

Hinkley, CA

Threatened to contact someone or share information improperly

Debt collection: Medical debt

Talked to a third-party about your debt
Complaint: On XX/XX/2019 at approximately XXXX XXXX XXXX at California XXXX XXXX reached out to XXXX XXXX who is an employee of mine and told him they were a collection agency trying to get hold of me and asked him for my phone number. Mr. XXXX came to me and gave me the message. I called XXXX. I asked what this was about. She explained that it was a medical collection account for my daughter. I explained to her that my ex wife ( mother of my daughter ) has a history of incurring medical bills for my daughter without my authorization and that there are court orders in place on how this is to be handled. I kept asking her who incurred the bill and she kept telling me that it could be reported and if I was going to pay the bill. I kept asking her for information and for them to send me something in writing so I could find out if in fact I authorizes this or not. My daughter has had extensive medical bills and some of them I have and some I have not. She asked me for my address. I supplied it. She asked me for my cell and I supplied it. I asked her for who the responsible party was and she would not respond. I asked her to only communicate in writing and she continued to threaten me with reporting it on my credit.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-08-05

Monterey Park, CA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-28

Santa Ysabel, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-29

San Jacinto, CA

Communication tactics

Debt collection: Medical debt

Used obscene, profane, or other abusive language
Complaint: Date of incident : XX/XX/2019 Abusive language. Unfair interest added to original debt. Unwilling to accept a payment plan.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-04-23

Santa Ysabel, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: After finding these inaccurate items on my credit report and having never been contacted by this company or the original creditor as required under the law, I requested the information on the debts they say that I owe. They have failed to provide the actual invoices which these debts were incurred with. Despite the request and lack of response from them, they have confirmed to the Credit Reporting agencies that this debt is valid. These are medical bills for the most part. I have always had medical insurance and paid my deductibles. I am guessing that these amounts should have been written off by the medical providers according to their agreements with my insurance but are trying to collect in violation of their agreements with the insurance companies.
Company Response: Closed with explanation

Timely Response

2019-04-22

San Diego, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-04-06

Juniper Hills, CA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I was trying to pay a medical bill online in the amount of {$740.00} according to the amount on my XXXX credit report dated on XX/XX/19 and online it will not let me pay less than {$1000.00} I have requested contact from this company several times and they have refused to contact me so that I may pay close and close this account that have not taken any action to help me close this account, california business bureau will not let me pay this amount
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-03-14

Brea, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-13

Kyle, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-08

Santa Clarita, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-07

Camarillo, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-19

San Gabriel, CA

Credit monitoring or identity theft protection services

Vehicle loan or lease: Lease

Didn't receive services that were advertised
Complaint: I was injured at work and I received a secretly check by the employer that I did not know about until now XX/XX/XXXX2018 how is it that know one know this and somebody working my social security.i didn't work much and somebody was working under my name somebody madea claim of child taxis, I have no child they taking away my benefits
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2019-02-18

San Jacinto, CA

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: I received notification of a medical bill being owed from XXXX XXXX XXXX. I asked the company to verify the debt and was told they had already done so. I explained I had relocated a few times so please forward me the information. My spouse was in the car when a representative contacted me and the call was on speaker through the car. She informed him the debt had to do with a XXXX test and XXXX check. This caused an argument between the two of us in which I had to disclose XXXX I had suffered and that is why I went to XXXX. I did reach out to the collection agency and informed them the bill amount was incorrect because I never took a XXXX test. Sh stated it is standard for hospitals to give one. I informed her I am XXXX XXXX XXXX XXXX since XX/XX/XXXX therefore the doctor would not have done so. I asked if she could contact XXXX and get the amount of the XXXX test removed because XXXX will not speak with me due to the debt being purchased by California Business Bureau. I even stated I a willing to pay the entire amount due if they can remove it from my credit reports because of it being an inaccurate amount. Both the representative and the Supervisor stated no because a complaint from my representative was made against the company by a Mr. XXXX. I was informed if this is not pain they will report it each month on my credit as a new debt and begin legal action. I understand it is the collection company 's right to collect what is owed but it appears as if I am being punished due to a complaint lobbied against them in reference to me by my realtor. I have spoken with this company between XX/XX/XXXX and XX/XX/XXXX.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-02-05

San Diego, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I never gotten any bill saying i owe this debt. All my medical bills in pass were covered by Medi-cal. This debt appeared on my credit score from collection agency CA BUS BUR. And has been since 2012.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-01-25

San Diego, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Was not notified of investigation status or results
Complaint: My credit is getting dinged by a debt collector for services supposedly unpaid to a home health care company. I have asked both the debt collector and the home health care company to detail the supposed billings and the amounts already received and neither company has responded. In the meantime, my FICO score has declined 100 or more points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-08

San Diego, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-01-03

Santa Ysabel, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-10-29

TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I have repeatedly requested proof of this medical debt being mine but the address wasnt mine, I didnt have a child at that hospital, and I lived in a different state at the time the claimed services were provided. They wont send me any proof with an actual signature and I sent a copy of my lease at the time they claim I had services. I was also sent a full copy of the persons medical information which is a violation of HIPPA. They have multiple collections on my report and refuse to remove any of them and theyre charging interest on it so its hurting my score more and more. I have gone 3 or four rounds with these people.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response